GUCO
Charter #62985 | NC
<100M
(2596 CUs)
Micro
($0-$500M)
32 <100M in NC
GUCO has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.72% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Efficiency ratio 7.35% above tier (higher cost structure)
- - Member decline: -9.2% YoY
- - Member Growth Rate: Bottom 6.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,390
-9.2% YoY-2.1% QoQ
|
-1.2K |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
38th in tier |
| Assets |
$9.7M
-4.3% YoY-1.8% QoQ
|
$-20.2M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
32nd in tier |
| Loans |
$6.5M
+9.7% YoY+0.8% QoQ
|
$-9.2M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
40th in tier |
| Deposits |
$7.9M
-5.5% YoY-2.5% QoQ
|
$-17.6M |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
31st in tier |
| ROA |
0.4%
-210.0% YoY+60.3% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
32nd in tier |
| NIM |
4.7%
+12.1% YoY+4.5% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
Top 21.8% in tier |
| Efficiency Ratio |
88.7%
-17.5% YoY-2.0% QoQ
|
+7.4% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
74th in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
83.2%
+16.2% YoY+3.4% QoQ
|
+21.9% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 18.6% in tier |
| AMR |
$10,377
+11.1% YoY+1.1% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
31st in tier |
| CD Concentration |
23.4%
+70.4% YoY-2.9% QoQ
|
-1.0% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
210
AMR Growth Rate
growth
Value:
11.05%
Peer Avg: 4.67%
#210 of 2596
Top 8.1% in <100M tier
287
Loan Growth Rate
growth
Value:
9.72%
Peer Avg: 59.01%
#287 of 2596
Top 11.0% in <100M tier
480
Loan-to-Share Ratio
balance_sheet
Value:
83.15%
Peer Avg: 61.23%
#480 of 2596
Top 18.5% in <100M tier
483
Members Per Employee (MPE)
engagement
Value:
463.333
Peer Avg: 365.701
#483 of 2596
Top 18.6% in <100M tier
565
Net Interest Margin (NIM)
profitability
Value:
4.65%
Peer Avg: 3.93%
#565 of 2596
Top 21.7% in <100M tier
Top Weaknesses (4 metrics)
2421
Member Growth Rate
growth
Value:
-9.21%
Peer Avg: 14.92%
#2421 of 2596
Bottom 6.8% in <100M tier
2185
Deposit Growth Rate
growth
Value:
-5.54%
Peer Avg: 16.80%
#2185 of 2596
Bottom 15.9% in <100M tier
2173
Asset Growth Rate
growth
Value:
-4.29%
Peer Avg: 1.82%
#2173 of 2596
Bottom 16.3% in <100M tier
2090
Fee Income Per Member
profitability
Value:
$10.78
Peer Avg: $182.96
#2090 of 2596
Bottom 19.5% in <100M tier